Credit card with the most flexible repayment

Features of a credit card

40 days interest-free

An interest-free period of up to 40 days The interest-free period does not apply to cash transactions.

Contactless payment

LHV cards enable you to make contactless payments, providing a fast and convenient option for small purchases.

Secure card payments online

To ensure security and raise the feeling of confidence when making payments on the Internet, LHV has added a new security feature to its bank cards. After entering card data and the confirmation code, you must log in to the LHV Internet Bank as an additional form of identification, or use the security code sent to your mobile phone via SMS.

It is possible to choose between an automatic monthly repayment of 0–100% of the credit limit or to pay at the time and in the amount that suits you. The selected option can be changed in the Internet Bank.

Payment Date

10th

Issuing, renewal, closing

Free of charge

Replacement

€5

Cash withdrawals

EUR 2 + 2.5% of the sum

Payment from the credit account to the current account

EUR 2 + 2.5% of the sum

Information request from an ATM

Free of charge at LHV ATMs From the ATMs of other Estonian banks €0.20

Applicant requirements

To apply for a credit card, you must be at least 18 years old.

Your monthly net income must be at least €350

If your pay has not been transferred to LHV Pank for the past six months, please submit an account statement from the bank where your pay has been transferred to date.

1 An interest-free period is not applied for the credit limit withdrawn as cash from the credit account or transferred to the current account. If the transaction from the credit account to the current account is concluded in-office, a transaction fee of EUR 2 is added.

The annual percentage rate of the private client’s credit card is 23.64% per annum on the following example conditions: credit limit €300, interest rate 18% (fixed), monthly fee of the card €1, interest-free period 32 days, repayment sum of €336, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.